You can complete the online application and we will call you back or you can send us a “contact us” form through our website or you can call us directly on 0161 672 8750. We will complete the relevant information on your application and submit it to our panel providers to get you an instant decision.
Aspire Money Limited and any of its trading styles do not charge you upfront fees. If you apply for an Unsecured Loan we will not charge you the consumer any fees, our service is completely free. If you take a product from 1 of our panel providers they will pay us a commission if you take up the loan offer. If you apply for a Secured Loan through our Opal Loans brand you may pay a broker fee on completion of the loan which will be added to full amount repayable.
A homeowner may be considered as a lower credit risk due to stability and therefore may qualify for larger loan amounts, lower repayments, longer repayment periods and a lower annual percentage rate. A tenant may be considered a higher risk and may only qualify for an unsecured loan options with smaller loan amounts, higher repayments and shorter repayment periods. These decisions are made by the lender and are based on the individual's circumstances and credit scoring taken into consideration.
You will be contacted by one of our experienced advisors shortly after submitting your online application who may need to take down additional information before providing you with an instant decision.
You can borrow anything from £500 up to £25,000.
Should you feel a need to complain as a result of Aspire Money Limited not meeting your expectations or we do not meet our regulators requirements, your complaint will be treated very seriously with a promise to deal with it fairly and promptly. In many cases we will resolve them straight away. If you have a complaint please contact us on 0203 135 0407 or by writing to: The Complaints Department, Aspire Money Limited, P.O Box 15799, Solihull, B93 3GA Aspire Money Limited will try to resolve any complaint with you. However if you are unhappy with our final response or we are unable to issue our final response within 8 weeks of receiving your complaint you can refer your complaint to the Financial Ombudsman Service who’s address is: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR You can get more information about them at the following link: http://financial-ombudsman.org.uk/consumer/complaints.htm
You can fill in a “Contact Us” form online or call us directly on 0161 672 8750.
Aspire Money Limited are a finance broker and we will assess your application based upon the information you provide us with for suitable financial products. We will need to call you to obtain further information for certain products and introduce you to the company that has provided you with an option. Unlike many other companies we will not charge you the consumer any fees, our service is completely free. If you take a product from 1 of our panel providers they will pay us a commission if you take up the loan offer.
No, you are under no obligation to take up any options that you qualify for, however should you decide to take up any of these options at a later date, the option may differ depending on whether your circumstances have changed from the time you completed an application with us.
All interest or annual percentage rates are calculated by our panel providers based on a customer’s individual circumstances and credit rating and may differ or vary from one customer to another.
Yes, our panel providers assist individuals with different circumstances but in order for us to see if we will be able to assist you we will need to complete a full application to get you a decision from our panel providers.
There may be instances where a guarantor is required; however this depends on which lender you meet criteria with as we have a large lending panel with various options that may be available to you.
We at Aspire Money Limited do not conduct a credit search; however lenders on our panel may conduct a credit search in order for them to provide you with a decision on your loan application. If you have multiple credit searches done on your file within a short space of time then this may affect your credit scoring.
A loan from a financial institution which is not secured on any asset. Since there is no collateral attached to this type of loan, loan providers may see you as high risk.
Most of our panel providers pay out the same day but this depends on how soon you decide to take up the loan offer and sign the panel provider’s agreement. This also depends on which panel provider you have a loan option with.
Yes, all we require is basic deposit details which are your sort code and account number. You don’t have to provide this immediately but it may delay the loan payout and therefore we request this information when completing the application with you.
You can simply complete our “Contact us” form on our website or you can call us to make your request on 0161 672 8750.